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Just seems like the obvious choice to me! Also, regarding the extension, I always use .htm simply for the fact that windows generally always uses the 3 character extension... it doesn't seem to really matter, but thats my opinion on it!

"index" as well, over here (well usually)! If I find that the default page in a directory is better labeled by "default" I'll go ahead and use it. For instance, I'll probably use "default" (if I catch myself) for an application of some sort unless the default page serves as an index or something.

Though it really doesn't matter much, since I don't link to the default file in a directory; I link to the directory itself.